It's all down to individual choice. Cover up to $2M, medevac, cancer, accident.
Put it in your piggy bank if you like but my cover was same as I used to pay for SKY TV. Better value I reckon

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Would it be possible to advise which insurance company you are with, I realize it is through AA. I have been through AA and cannot get cover at 5,000 Baht a month and I have no pre existing conditions.

"Live everyday as if it were your last because someday you're going to be right." Muhammad Ali

Try MSH International (their Asia Care plans). For Asia-only I was happy with their Plan 1 'Essential Care' levels of cover and cost of premium. Inpatient only and oncology (incl. all drugs). Direct billing with Bumrungrad Hospital, Samitivej Sukhumvit Hospital, and many others. I didn't cover any pre-existing conditions, not sure how they look at that.

StevePIraq,i forgot your real name so cannot check your age or e-mail address :-).
Please feel free to drop me a mail: matt@aainsure.net
We have a number of new plans so it is very well possible that we can meet your requirements now.